Dutch health insurance

Health policy is compulsory for all people who live or work in the Netherlands. Expats from outside the EU, EEA or Switzerland who arrive in the Netherlands must take out Dutch health indemnity within four months of receiving their residence license, tied if they have an existing alien policy. EU, EEA or swiss nationals who are working in the Netherlands must take out Dutch health indemnity within four months of registering at their city mansion .

Main health insurance companies in the Netherlands

Below a tilt of the main Dutch and international health indemnity companies :

Dutch health insurance companies

International health insurance companies

Dutch health insurance package comparison

To compare Dutch health insurances and prices visit Zorgwijzer ( website in English ) or Independer .

International students and Dutch health insurance

International students are not always obliged to take out Dutch health policy. Whether they are required to or not depends on several factors such as the duration of their stay, if they are doing an internship or bring, and whether they have indemnity in their base area. Learn more about Dutch health insurance for international students.

Health insurance options for foreign students

For alien students, particularly those staying temporarily, in the Netherlands there are three independent health insurance options :

  • Take out Dutch health insurance.
  • Have an EU Health Insurance Card if you are an EU citizen.
  • Have private healthcare insurance from your country of origin.

LoonZorg offers 2 policy options that will cover most of international students ‘ unanticipated care expenses. Check out their student Insurance Policies !

The Dutch health insurance system

In contrast to many other european systems, the dutch government is responsible for the approachability and choice of the healthcare system in the Netherlands, but not in charge of its management. The dutch health indemnity system is a combination of private health plans with social conditions built on the principles of solidarity, efficiency and value for the patient. Healthcare in the Netherlands is funded through tax income : compulsory health insurance fees and taxation of income ( pre-specified tax credits ). Health policy in the Netherlands is mandatary if you are here on a long-run bide and is designed to cover the cost of medical caution. As a govern, all expats must have Dutch health indemnity even if they are already insured for healthcare in their fatherland ( for exceptions see our other health insurances page ). Within four months of receiving your residency allow ( or registering at the Dutch city hall for EU/EEA nationals ) you are subject to Dutch social security legislation and frankincense must obtain basic health policy ( basisverzekering ) box .

Premie and eigen risico costs

There are two main costs that you need to pay for your Dutch health policy :

  • The monthly premium (premie), a fixed fee that is deducted from your bank account each month.
  • The “own risk” amount (eigen risico), which is an annual amount that you must pay out of your own pocket for some treatments and medicines before your health insurance will cover the rest. In 2022, the eigen risico is up to a maximum of 385 euros. If you do not have any medical costs in a year then you pay no eigen risico.

What happens if I don’t take out health insurance?

  • If you do not take out basic Dutch health insurance within four months, and the government becomes aware that you are not covered, then you will receive a letter from the CAK asking to you to sign up for health insurance within three months.
  • If you do not get health insurance within that period, then the CAK will issue you with a fine (437,25 euros in 2022).
  • If you still haven’t taken action after six months then you will receive a second fine for the same amount.
  • If you still haven’t obtained health insurance within nine months of the first letter, then the CAK will register you with an insurer on your behalf and they will deduct the monthly premium from your salary.

If you are uncertain about whether you need to take out health indemnity in the Netherlands then you can contact the Sociale Verzekeringsbank to check whether your circumstances require you to have Dutch health insurance. If you become nauseated and you have no ( Dutch or alien ) health indemnity to cover treatment in the Netherlands, then you must pay for medical costs yourself .

Types of Dutch health insurance

There are two types of health insurance in the Netherlands :

  • Compulsory basic insurance (basisverzekering)
  • Optional additional insurance (aanvullende verzekering)

Basic health insurance in the Netherlands (basisverzekering)

The basic box in the Netherlands is compulsory and provides the same basic health coverage across all insurers, as it is set by the government. Basic health insurance costs around 100 euros per month and covers things such as :

  • Appointments with your doctor (huisarts)
  • Stays at the hospital, surgery and emergency treatment (ziekenhuis)
  • Ambulance services and patient transport (ambulancevervoer)
  • Medicine prescriptions (medicijnen)
  • Blood tests (bloedonderzoek)
  • Dental care for children under 18 years (tandarts)
  • Limited dental care for adults over 18, restricted to dental surgery, dental x-rays 
  • Mental health care (geestelijke gezondheidszorg)
  • Appointments with medical specialists such as dermatologists, allergists or internal specialists (medisch specialist)
  • Pregnancy, birth care and midwifery services (zwangerschaps- en geboortezorg)
  • Maternity care (kraamzorg)
  • Handicapped care (gehandicaptenzorg)
  • Aged care (ouderenzorg)
  • Nursing on location (wijkverpleging)
  • Some therapeutic services such as speech therapy, occupational therapy and diet advice
  • Physiotherapy (fysiotherapie) for chronic disorders, covered from the 21st treatment onwards

Basic insurance and eigen risico

It is important to note that for most of the above services you will need to cover a part of the costs via your annual eigen risico sum ( up to a maximum of 385 euros ). Services which do not require an eigen risico contribution include :

  • Appointments with your doctor
  • Dental health care and physiotherapy for children up to 18 years
  • Pregnancy, birth care and midwifery services
  • Maternity care (kraamzorg), however you need to pay a separate hourly rate

An up-to-date overview of basic indemnity coverage can be found on the dutch government web site .

Additional insurance coverage (aanvullende verzekering)

You may besides need to take out extra coverage for extra medical treatment. This is where private health indemnity providers ( zorgvezekeraars ) compete to offer policies that are full tailored to your health needs and life style. There are many health services that are ( partially ) covered by extra insurance, examples include :

  • Dental care for adults over 18 including dentist check-ups, fillings, hygiene, cleaning and dental implants
  • Emergency health care for travel abroad
  • Alternative medical treatments such as acupuncture, chiropractic, homeopathy (alternatieve geneeswijzen)
  • Vaccinations (vaccinaties)
  • Contraception (anticonceptie)
  • Glasses and contact lenses (brillen en lenzen)
  • Hearing aids (gehoorapparaten)
  • Plastic surgery (plastische chirurgie)

Register with a GP (huisarts)

After you have chosen your Dutch health indemnity provider, you should register with a general practitioner. once you have a GP you can easily schedule an appointee to discuss any health issues you may have. If you need a specific interrogation you should first intercede with your doctor, who will then refer you to the justly specialist, clinic or hospital. You can find dutch doctors in your area on-line, normally by searching for “ huisarts ” and your city diagnose. Some websites besides provide relative listings of doctors based on affected role reviews. You may besides be required to register with your local pharmacy ( apotheek ) so they can keep a record of your medication history and sol your general practitioner can easily send prescriptions through.

Children and Dutch health insurance

Children under 18 must besides be insured, however, their insurance cover is dislodge, with no monthly premium and no eigen risico. Children can normally be covered by the insurance company of their parents, however, it ’ sulfur besides potential to choose early providers. The beginning calendar month after a child turns 18, they must start paying their monthly premium. neonate babies must be registered for health policy within four months of parentage .

Hints and tips about Dutch health insurance

  • Dutch insurance companies are obliged by law to offer you the basic package. They can not deny coverage because of gender, age or health profile.
  • You may only change your health insurance provider once per year, for the following year. The deadline to switch is December 31.
  • If you are on a low income you may be eligible to have your monthly health insurance premiums (partly) covered by the healthcare allowance (zorgtoeslag).
  • Many businesses, including international companies, arrange collective agreements with insurance companies and offer a small discount to their employees.
  • Be aware that there may be long waiting lists for certain services.
  • Doctors can all be expected to speak English.


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